First Liberty Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.44 percentage points higher than in Q1 2026, at 4.41%. Within Oklahoma, First Liberty Bank is 66th of 169 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. First Liberty Bank reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.95% |
| Yield on loans | 7.35% |
| Yield on securities | 4.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.38% |
| Cost of interest-bearing liabilities | 3.40% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.55% | 2.95% | 3.93% | 7.25% | 3.04% |
| Q4 2023 | 7.06% | 3.39% | 3.91% | 7.44% | 3.09% |
| Q1 2024 | 7.10% | 3.49% | 3.85% | 7.56% | 3.15% |
| Q2 2024 | 7.20% | 3.61% | 3.93% | 7.66% | 3.18% |
| Q3 2024 | 7.36% | 3.72% | 3.99% | 7.76% | 3.25% |
| Q4 2024 | 7.14% | 3.50% | 3.99% | 7.63% | 3.39% |
| Q1 2025 | 7.08% | 3.28% | 4.09% | 7.49% | 3.51% |
| Q2 2025 | 7.09% | 3.33% | 4.07% | 7.52% | 3.50% |
| Q3 2025 | 7.11% | 3.31% | 4.12% | 7.63% | 4.04% |
| Q4 2025 | 6.94% | 3.11% | 4.15% | 7.39% | 4.37% |
| Q1 2026 | 6.60% | 2.92% | 3.97% | 7.12% | 4.47% |
| Q2 2026 | 6.95% | 2.77% | 4.41% | 7.35% | 4.28% |
First Liberty Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14029) · FFIEC NIC profile (RSSD 898850)